What is Credit?

Credit is an extremely useful way of paying for goods or services at a later time, usually paying interest as well as the original money. Offering real convenience, you can choose how to pay back credit in the way that best suits you.

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What happens when I apply online?: Many online applications will result in a provisional decision within 20 seconds.
How can I protect myself when buying online?: As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
Where can I pay my balance?: You can pay your balance in a variety of ways, choose whichever best suits you:
Will I have to pay interest each month?: You can avoid paying any interest by always paying your balance in full and on time each month.
Why is it worth making a Balance Transfer?: If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.

For example, a family holiday may cost over 2000, so you can pay it back in installments and take as long as you need to repay.

Credit is also a handy way of organising your finances - simply buy everything you need on it then paying it off in one simple lump sum at the end of each month. This is particularly good if you get paid at the end of the month, and need to make a large purchase before payday - because it allows you to make a purchase without having the ready cash. Simply buy now and pay later.